APTA members are eligible to apply for a full range of cost-saving and value-added products and services.

Got questions? Members are invited to contact APTA's Member Services Department for assistance whenever questions or concerns arise regarding risk management or member benefits. Reach us at 800/999-2782, or at insfinsvcs@apta.org. We look forward to serving you.

Personal Insurance: Exclusive Plans for APTA Members!

HPSO is the new provider of select personal insurance products that are offered exclusively to APTA members. For Group Life and Long Term Disability, APTA members will now have access to higher coverage amounts. Access these exclusive plans at www.hpso.com/apta.

Business Overhead Expense
Business Overhead Expense (BOE) Insurance is disability insurance for your practice. Coverage is designed to help cover eligible business expenses, such as business loans, leasing costs, taxes, employee salaries, maintenance and utilities, when the insured is totally disabled by a covered injury or illness and can't work in his or her profession.

Group Term Life & Level Term Life
Choose between Group Term (up to $1,000,000 benefit) and Level Term (up to $2,000,000 benefit). Group Term offers affordable rates as you begin your career and Level Term offers rates that remain the same for 10 or 20 years.

Health InsuranceMaking sure you get the right medical insurance coverage for yourself and your family is vitally important. HPSO in conjunction with Aon, provides an easy-to-use solution for finding the right health insurance.

Long-Term & Short Term Disability
Disability Income Insurance can help ensure that a portion of your income continues if you're suddenly unable to earn your regular paycheck for a period of time due to a covered injury or illness.

Long Term Care
Long-Term Care Resources (LTCR) provides a comprehensive Long-Term Care Plan as a strategy to protect your savings and assets from the rising costs of long-term care. A choice of top rated insurance carriers is available to offer a wide range of plans.

Income Assist® - Involuntary Unemployment and Disability Insurance
Income Assist® is an insurance program designed to provide assistance should you become involuntarily unemployed or disabled. You are protected should you lose your job or become unable to perform your normal activities due to a disability. Once your claim is approved, Income Assist® will provide cash benefits that go directly into your pocket to pay bills and other expenses.

Medicare Retiree Heath Solutions
There's a lot to know about Medicare. Shop the only private Medicare Exchange recommended by the National Council on Aging (NCOA) for continually meeting rigorous standards of excellence.

Supplemental Personal Insurance

Dental Insurance
Help protect yourself and your family against today's rising dental costs with HPSO's new group dental insurance program. Healthcare providers and their families are guaranteed acceptance into this plan.

Medicare Supplement Insurance
The Medicare Supplement Insurance Plan is available to healthcare providers and their spouses who are at least 65 years of age.